{"text_format":"2","workbook":"xls","n_sheets":4,"sheets":["Budget","Balance Sheet","Notes","Projection"],"not_rendered":{"charts":0,"images":0,"macros":0,"external_links":1,"defined_names":5,"comments":0,"pivot_tables":0},"unopened":[],"bounds":{"document_bytes":16777216,"sheet_cells":100000,"run_cost":"one","rows_first":2000,"rows_last":500,"rows_between":2000,"halvings":0,"cell_chars":16384,"cell_head_chars":4096},"cells_cut":0,"cells_raw":0,"read":"whole","date_system":"1900","formulas":"cached_only"}

{"sheet":"Budget","index":0,"n_rows":30,"n_cols":15,"rows_kept":30,"cut":false,"hidden":false,"merged":[[5,1,5,4],[5,6,5,9],[5,11,5,14],[0,1,0,14],[2,1,2,14],[1,1,1,14]],"flags":["formulas_cached_only"]}
[null,"MONTHLY BUDGET"]
[null,"Dawn and Steve Jacobson"]
[null,"May 2008"]
[]
[]
[null,"Column #1",{"$nulls":4},"Column #2",{"$nulls":4},"Column #3"]
[null,"Housing:",{"$nulls":4},"Household / Personal:",{"$nulls":4},"Loan Payments / Savings:"]
[null,null,"Mortgage/Rent ($1,141.88)",null,1500,null,null,"Groceries",null,400,null,null,"Credit Card Payments",null,0]
[null,null,"Property Taxes",null,600,null,null,"Personal Care",null,50,null,null,"Other Loan Payments",null,0]
[null,null,"Home Maintenance",null,1300,null,null,"Clothing / Dry Cleaning",null,25,null,null,"Savings / Investing",null,500]
[null,null,"Homeowner's Insurance",null,12,null,null,"Domestic Help",null,85,null,null,"New Car Fund",null,500]
[null,null,"Utilities:","Electric / Gas",350,null,null,"Professional Dues",null,0]
[null,null,"     ","Water",60,null,null,"Dependent / Child Care",null,500,null,"Discretionary:"]
[null,null,null,"RoadRunner",42,null,null,"Education / School",null,0,null,null,"Dining Out",null,100]
[null,null,null,"Phone",120,null,null,"Cash / Allowances",null,0,null,null,"Recreation / Club Dues",null,200]
[{"$nulls":12},"Movies / Sporting Events",null,50]
[null,"Transportation:",{"$nulls":4},"Personal Insurance:",{"$nulls":5},"Hobbies",null,250]
[null,null,"Auto Payments",null,0,null,null,"Health Insurance *",null,0,null,null,"Vacation  / Travel",null,500]
[null,null,"Auto Insurance",null,100,null,null,"Life Insurance *",null,280.33666666666664,null,null,"Gifts / Contributions",null,250]
[null,null,"Gas",null,75,null,null,"Disability Insurance *",null,0,null,null,"Other: Braces",null,200]
[null,null,"Maintenance / License",null,300,null,null,"Long Term Care *",null,0,null,null,"Other:  ???",null,200]
[null,null,"Parking/Tolls/Bus/Train",null,70,null,null,"Medical/Dental/Drugs *",null,100]
[]
[null,"Total Column 1",null,null,4529,null,"Total Column 2",null,null,1440.3366666666666,null,"Total Column 3",null,null,2750]
[]
[]
[null,"Monthly Net Income *:",null,null,10500]
[null,"1/2 2007 Bonus (less 50% Tax)",null,null,1300]
[null,"   Less Expenses",null,null,8719.336666666666]
[null,"Total Surplus/(Deficit)",null,null,3080.663333333334]

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["DAWN & STEVE JACOBOSON"]
["Balance Sheet"]
["December 31, 2008"]
[]
["ASSETS:"]
["Current Assets:"]
["  ECU - Checking Account - #08",{"$nulls":5},25210.71,"2008-12-31"]
["  ECU - Savings Account - #00",{"$nulls":5},12386.69,"2008-12-31"]
["  ECU - Money Market Account - #02",{"$nulls":5},38288.86,"2008-12-31"]
["  ECU - Special Savings Account - #03 (From Grandma Kralicek)",{"$nulls":5},46655.04,"2008-12-31"]
["  Webster Electric Credit Union (Danfoss/MCU)",{"$nulls":5},251.24,"2008-12-31"]
["  Northwestern Credit Union",{"$nulls":5},507.96,"2008-03-31"]
["  Johnson Bank - Savings Account",{"$nulls":5},5047.06,"2008-12-31"]
["Total Current Assets",{"$nulls":5},128347.56000000003]
[]
["Long Term Assets:"]
["Cash Investments:"]
["  Aim Constellation Fund",{"$nulls":5},18571.71,"2008-12-31"]
["  Aim Global Growth",{"$nulls":5},4787.58,"2008-12-31"]
["  Aim Capital Development Fund",{"$nulls":5},22497.36,"2008-12-31"]
["  Putnam Growth & Income",{"$nulls":5},54441.72,"2008-12-31"]
["Total Cash Investments",{"$nulls":5},100298.37]
[]
["Other:"]
["  7140 Aspen Court",{"$nulls":5},156000,"Purchase Price (FMV $285,423)"]
["  Sunnyslope Condo",{"$nulls":5},165000,"Purchase Price (FMV $166,092)"]
["  Prudential Life Insurance Policy - Dawn",{"$nulls":5},6803.16,"Death Benefit (June, 1999)"]
["  Prudential IRA - Dawn",{"$nulls":5},1027.43,"2008-12-31"]
["  NML Life Insurance - Term - Dawn",{"$nulls":5},150000,"NC"]
["  NML Life Insurance - Whole Life - Dawn",{"$nulls":5},150000,"NC (Total Investment Value - $953.50)"]
["  NML Life Insurance - Whole Life - Steve",{"$nulls":5},100000,"NC"]
["  SCJ Life Insurance - Dawn (5 x Pay)",{"$nulls":5},610000,"NC"]
["  SCJ Life Insurance - Steve",{"$nulls":5},50000,"NC"]
["  CNA - Life Insurance - Steve",{"$nulls":5},40000,"NC"]
["  Philadelphia Life Insurance - Steve",{"$nulls":5},25000,"NC"]
["  Valley Forge Life Insurance - Steve",{"$nulls":5},924.32,"May 10, 2008 (Death Benefit $10,000)"]
["  Valley Forge Life Insurance - Steve",{"$nulls":5},5123.27,"May 10, 2008 (Death Benefit $39,215)"]
["  M & I Bank - Steve's IRA",{"$nulls":5},271.56,"2008-12-31"]
["  NML - 401K Fund",{"$nulls":5},100756.38,"2008-12-31"]
["  SCJ Wax - 401K Fund (Deferred Profit Sharing and Savings Plan)",{"$nulls":5},345101.42,"2008-12-31","Check 2007 Statement value????"]
["  SCJ Wax - Cash Balance Pension Plan",{"$nulls":5},112689.4,"2009-01-01"]
["  SCJ Wax - Retirement Medical Savings Account",{"$nulls":5},22293.5,"2008-12-31"]
["  Johnson International - 401K Fund",{"$nulls":5},40154.15,"2008-03-31"]
["Total Other",{"$nulls":5},2081144.5899999999]
[]
["Investments at Dad & Mom's:"]
["  Excelon (823.7677 Shares @ $55.6354)",{"$nulls":5},45830.64549658,"2008-12-31"]
["  Growth Fund of America - American Funds (43.575 Shares @ $20.48)",{"$nulls":5},892.42,"2008-12-31"]
["  Income Fund of America - American Funds (176.698 Shares @ $20.96)",{"$nulls":5},3703.59,"2008-12-31"]
["Total Investments at Dad & Mom's",{"$nulls":5},50426.65549658]
[]
["Total Long Term Assets",{"$nulls":5},2231869.61549658]
[]
["Total Assets",{"$nulls":5},2360217.17549658]
[]
["LIABILITIES & NET WORTH:"]
[]
["Mortgage:"]
[]
["Johnson Trust Loan ($160,288.23)",{"$nulls":5},98724.39,"2008-12-31"]
["Total Mortgage",{"$nulls":5},98724.39]
[{"$nulls":8},"NW Prior Year"]
["Total NET WORTH",{"$nulls":5},2261492.79,null,2361081.22]
["Total Liabilities & Net Worth",{"$nulls":5},2360217.18,null,"NW Change"]
[null,null,null,"Balance",null,null,0,null,-99588.43000000017]
[]
["Net Worth (excluding Life Insurance Policies)",{"$nulls":5},1123642.0354965802]
[]
["EMILY'S Information:"]
["  State Farm Insurance Policy - Emily",{"$nulls":5},15000,"NC"]
["  SCJ Life Insurance - Emily",{"$nulls":5},10000,"NC"]
["  529 College Savings Account",{"$nulls":5},500,"2003-12-31"]
["  Trivent Investment Large Cap Stock Fund",{"$nulls":5},3391.49,"2008-12-31"]
["  ECU CD - #40",null,"Matures on 10/22/08",null,null,null,1928.65,"2008-12-31"]
["  ECU Savings Account - #00",{"$nulls":5},11357.86,"2008-12-31"]
["Total Emily's Net Worth",{"$nulls":5},42178]
[]
["RYAN'S Information:"]
["  SCJ Life Insurance - Ryan",{"$nulls":5},10000,"NC"]
["  NML Life Insurance - Ryan",{"$nulls":5},25135,"Death Benefit, December 31, 2005"]
["  529 College Savings Account",{"$nulls":5},100,"2003-12-31"]
["  Trivent Investment Large Cap Stock Fund",{"$nulls":5},1139.4,"2008-12-31"]
["  The American Funds (Growth Fund of America - Class A)",{"$nulls":5},231.53,"2008-12-31"]
["  ECU Savings Account - #11",{"$nulls":5},2912.09,"2008-12-31"]
["  ECU Savings Account - #00",{"$nulls":5},5836.19,"2008-12-31"]
["Total Ryan's Net Worth",{"$nulls":5},45354.21000000001]
[]
["BRIAN'S Information:"]
["  ECU Savings Account - #01",{"$nulls":5},33477.03,"2004-12-31"]
[]
["MOM'S Information:"]
["  ECU Savings Account - #04",{"$nulls":5},4535.28,"2008-12-31"]
[]
["MISC NOTES:"]
["  Karen Schmidt - Cleaning",null,null,"9/6/06 gave raise from $50 for 4 hours ($12.50/hour) to $55 for 4 hours ($13.75/hour)"]

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["NOTES:"]
[]
["Associated Mortgage"]
[null,"Phone Number:   1-800-242-2470"]
[null,"P.O. Box 12620"]
[null,"Green Bay, WI  54307-2620"]
[null,"Loan #88004"]
[]
[null,"Checking Account Number:   08000156158"]
[null,"ECU's Rounting ABA Number:    275981378"]

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["DAWN & STEVE JACOBOSON"]
["December 31, 2008"]
[]
["Years until Retirement:",null,14]
["% annual earnings",null,0.06]
[]
[]
["Long Term Assets:",{"$nulls":4},"Current","Annual additional Investment","Investment Year 1","Investment Year 2","Investment Year 3","Investment Year 4","Investment Year 5","Investment Year 6","Investment Year 7","Investment Year 8","Investment Year 9","Investment Year 10","Investment Year 11","Investment Year 12","Investment Year 13","Investment Year 14","Retirement Year 1","Retirement Year 2","Retirement Year 3","Retirement Year 4","Retirement Year 5","Retirement Year 6","Retirement Year 7","Retirement Year 8","Retirement Year 9","Retirement Year 10","Retirement Year 11","Retirement Year 12","Retirement Year 13","Retirement Year 14","Retirement Year 15","Retirement Year 16","Retirement Year 17","Retirement Year 18","Retirement Year 19","Retirement Year 20"]
["  Aim Constellation Fund",null,null,null,"Emily",18571.71,6000,26046.012600000002,33968.773356000005,42366.899757360006,51268.91374280161,60705.04856736971,70707.3514814119,49509.79257029662,27040.380124514417,3222.802931985278,-22023.828892095604,-16985.25862562134,-11644.37414315862,-5983.036591748138,17.981212746974087,19.060085511792533,20.203690642500085,21.41591208105009,22.700866805913098,24.062918814267885,25.50669394312396,27.037095579711398,28.659321314494083,30.37888059336373,32.20161342896555,34.133710234703486,36.1817328487857,-47661.64736318029,-50521.34620497111,-53552.62697726938,-56765.78459590554,-60171.73167165988,-63782.03557195947,-67608.95770627704,-71665.49516865367]
["  Aim Global Growth",{"$nulls":4},4787.58,0,5074.8348000000005,5379.324888000001,5702.084381280001,6044.2094441568015,6406.86201080621,6791.273731454582,7198.750155341857,7630.675164662369,8088.515674542112,8573.82661501464,9088.256211915517,9633.551584630448,10211.564679708275,10824.258560490773,11473.71407412022,12162.136918567434,12891.86513368148,13665.37704170237,14485.299664204513,15354.417644056784,16275.682702700193,17252.223664862206,18287.357084753938,19384.598509839176,20547.67442042953,21780.534885655303,23087.366978794624,24472.608997522304,25940.965537373642,27497.423469616064,29147.26887779303,30896.105010460615,32749.871311088253,34714.86358975355]
["  Aim Capital Development Fund",{"$nulls":4},22497.36,0,23847.2016,25278.033696000002,26794.715717760002,28402.398660825602,30106.54258047514,31912.93513530365,33827.71124342187,35857.37391802719,38008.81635310882,40289.34533429535,42706.706054353075,45269.10841761426,47985.25492267112,50864.37021803139,53916.232431113276,57151.20637698007,60580.27875959888,64215.09548517481,68068.00121428531,72152.08128714243,76481.20616437097,81070.07853423324,85934.28324628723,91090.34024106448,96555.76065552836,102349.10629486006,108490.05267255167,114999.45583290477,121899.42318287907,129213.38857385181,136966.19188828292,145184.1634015799,153895.2132056747,163128.92599801518]
["  Putnam Growth & Income",null,null,null,"Ryan",54441.72,0,57708.22320000001,61170.71659200001,64840.95958752002,68731.41716277122,72855.30219253749,77226.62032408974,81860.21754353514,86771.83059614725,91978.1404319161,97496.82885783106,103346.63858930093,109547.43690465899,116120.28311893853,91287.50010607485,64964.75011243934,37062.6351191857,7486.393226336845,7935.576819917056,8411.71142911208,8916.414114858804,9451.398961750332,10018.482899455352,10619.591873422674,11256.767385828036,11932.173428977718,12648.103834716381,13406.990064799365,14211.409468687329,15064.094036808568,15967.939679017083,16926.01605975811,-56258.4229766564,-59633.92835525579,-63211.96405657114]
["  NML - 401K Fund",{"$nulls":4},100756.38,8715,116039.6628,132239.942568,149412.23912208,167614.87346940482,186909.66587756912,207362.14583022328,229041.7745800367,252022.1810548389,276381.41191812925,302202.19663321704,329572.2284312101,358584.4621370827,389337.4298653077,421935.5756572262,447251.7101966598,474086.8128084594,502532.021576967,532683.942871585,564644.9794438801,598523.678210513,634435.0989031438,672501.2048373325,712851.2771275725,755622.3537552268,800959.6949805404,849017.2766793729,899958.3132801353,953955.8120769435,1011193.1608015602,1071864.7504496537,1136176.635476633,1204347.233605231,1276608.067621545,1353204.5516788377]
["  SCJ Wax - 401K Fund (Deferred Profit Sharing and Savings Plan)",null,null,null,"Retirement Living",345101.42,23645.83,390872.085,439388.98990000004,490816.90909400006,545330.5034396402,603114.9134460186,664366.3880527797,729292.9511359464,798115.1080041032,871066.5942843494,948395.1697414103,1030363.459725895,1117249.8471094489,1209349.417736016,1306974.9626001772,1385393.4603561878,1362517.067977559,1338268.0920562127,1312564.1775795855,1285318.0282343607,1256437.1099284224,1225823.3365241277,1193372.7367155754,1158975.10091851,1122513.6069736206,1083864.4233920379,1042896.2887955601,999470.0661232938,953438.2700906915,904644.5662961331,852923.2402739011,798098.6346903353,739984.5527717554,678383.6259380607,613086.6434943443]
["  SCJ Wax - Cash Balance Pension Plan",{"$nulls":4},112689.4,0,119450.764,126617.80984,134214.87843040001,142267.77113622404,150803.8374043975,159852.06764866135,169443.19170758105,179609.7832100359,190386.37020263806,201809.55241479634,213918.12555968412,226753.2130932652,240358.40587886111,254779.9102315928,270066.70484548836,286270.7071362177,303446.94956439076,321653.7665382542,340952.99253054947,361410.1720823824,383094.7824073254,406080.46935176494,430445.29751287086,456272.0153636431,483648.33628546173,512667.23646258947,543427.2706503449,576032.9068893656,610594.8813027276,647230.5741808913,686064.4086317448,727228.2731496495,770861.9695386285,817113.6877109462]
["  SCJ Wax - Retirement Medical Savings Account",{"$nulls":4},22293.5,1400,25115.11,28106.016600000003,31276.377596000006,34636.96025176001,38199.17786686561,41975.12853887755,45977.636251210206,50220.294426282824,54717.5120918598,59484.562817371385,64537.63658641367,69893.89478159849,75571.5284684944,81589.82017660407,86485.20938720032,91674.32195043234,97174.78126745828,103005.26814350579,109185.58423211615,115736.71928604312,122680.92244320572,130041.77778979807,137844.28445718598,146114.94152461714,154881.83801609417,164174.74829705982,174025.23319488342,184466.74718657642,195534.752017771,207266.8371388373,219702.84736716753,232885.0182091976,246858.11930174945,261669.60645985443]
["  Johnson International - 401K Fund",{"$nulls":4},40154.15,0,42563.399000000005,45117.20294000001,47824.235116400014,50693.68922338402,53735.310576787066,56959.429211394294,60376.99496407795,63999.614661922635,67839.591541638,71909.96703413628,76224.56505618447,80798.03895955553,85645.92129712887,90784.6765749566,96231.757169454,102005.66259962124,108126.00235559852,114613.56249693444,121490.3762467505,128779.79882155554,136506.5867508489,144696.98195589983,153378.80087325381,162581.52892564907,172336.42066118802,182676.60590085931,193637.2022549109,205255.43439020557,217570.76045361793,230625.006080835,244462.5064456851,259130.25683242624,274678.07224237185,291158.75657691417]
["  Excelon (823.7677 Shares @ $55.6354)",{"$nulls":4},45830.64549658,0,48580.4842263748,51495.31327995729,54585.03207675473,57860.13400136002,61331.74204144163,65011.64656392813,68912.34535776383,73047.08607922966,77429.91124398344,82075.70591862245,87000.2482737398,92220.26317016418,97753.47896037404,103618.68769799649,109835.80895987629,116425.95749746887,123411.51494731702,130816.20584415605,138665.17819480543,146985.08888649376,155804.19421968338,165152.4458728644,175061.59262523626,185565.28818275043,196699.20547371547,208501.15780213842,221011.22727026674,234271.90090648277,248328.21496087176,263227.90785852406,279021.5823300355,295762.87726983766,313508.64990602795,332319.16890038963]
["  Growth Fund of America - American Funds (43.575 Shares @ $20.48)",{"$nulls":4},892.42,0,945.9652,1002.723112,1062.88649872,1126.6596886432,1194.2592699617921,1265.9148261594996,1341.8697157290696,1422.3818986728138,1507.7248125931826,1598.1883013487736,1694.0795994297,1795.7243753954822,1903.4678379192112,2017.675908194364,2138.736462686026,2267.0606504471875,2403.084289474019,2547.2693468424604,2700.1055076530083,2862.111838112189,3033.8385483989205,3215.8688613028557,3408.8209929810273,3613.350252559889,3830.151267713483,4059.960343776292,4303.55796440287,4561.771442267042,4835.4777288030655,5125.60639253125,5433.142776083126,5759.131342648114,6104.679223207001,6470.959976599422]
["  Income Fund of America - American Funds (176.698 Shares @ $20.96)",{"$nulls":4},3703.59,0,3925.8054,4161.3537240000005,4411.034947440001,4675.697044286401,4956.238866943586,5253.613198960201,5568.829990897813,5902.959790351682,6257.137377772784,6632.565620439152,7030.519557665501,7452.350731125432,7899.491774992958,8373.461281492537,8875.868958382089,9408.421095885014,9972.926361638116,10571.301943336402,11205.580059936587,11877.914863532782,12590.58975534475,13346.025140665435,14146.786649105363,14995.593848051685,15895.329478934787,16849.049247670875,17859.992202531128,18931.591734682996,20067.487238763977,21271.536473089818,22547.828661475207,23900.698381163722,25334.740284033545,26854.82470107556]
["Total Available Dollars (Investments less withdrawals)",{"$nulls":4},771719.87549658,39760.83,860169.5478263746,953926.2004959574,1053308.252325715,1158653.2272652579,1270318.9007011736,1388684.514543244,1482352.0652158386,1581639.6689287887,1686884.528864516,1798444.080396387,1948497.2050201707,2107553.517121381,2276153.2079486637,2423068.880225584,2536653.013039119,2551052.1938214665,2566315.3254507543,2614294.2449778,2665151.8996764687,2719061.0136570563,2776204.6744764796,2836776.9549450683,2900983.5722417724,2969042.586576279,3041185.1417708565,3117656.250277108,3151015.6252937345,3234076.562811359,3322121.15658004,3415448.425974843,3514375.3315333338,3545037.851425334,3651740.1225108537,3764844.529861506]
[]
["  With Drawals:",{"$nulls":40},"Total"]
["         Emily School and Wedding",{"$nulls":11},30000,30000,30000,30000,{"$nulls":16},45000,{"$nulls":8},165000]
["         Ryan School and Wedding",{"$nulls":18},30000,30000,30000,30000,{"$nulls":14},70000,null,null,null,190000]
["         Retirement Living",{"$nulls":20},100000,100000,100000,100000,100000,100000,100000,100000,100000,100000,100000,100000,100000,100000,100000,100000,100000,100000,100000,100000,2000000]
["  Total Withdrawals",{"$nulls":6},0,0,0,0,0,30000,30000,30000,30000,0,0,0,30000,30000,130000,130000,100000,100000,100000,100000,100000,100000,100000,100000,100000,145000,100000,100000,100000,100000,170000,100000,100000,100000,2355000]